TAL Accelerated Protection Critical Illness Insurance

  • 1st largest life insurer
  • $870m claims paid in 2022

TAL’s Accelerated Protection policy pays a lump sum if you are diagnosed with a specified medical condition, such as a stroke or cancer.

Accelerated Protection Critical Illness cover can also be attached or linked with a TAL life insurance policy.

Standard and Premier Cover Options

There are two levels of Critical Illness cover available through TAL. The Standard level of cover includes a range of benefits and features such as payments in addition to your lump sum benefit for:

  • Financial planning advice to help manage your trauma payment.
  • Counselling for you and your family to help support you after making a claim.
  • Guaranteed Future Insurability, which allows you to increase your cover after experiencing a significant life event, such as having a child or getting married, without further underwriting.

TAL’s Premier Cover provides all the benefits and features available in the standard product as well as some additional features, such as:

  • An advance payment to help cover immediate expenses after experiencing a certain event, such as losing your hearing in one ear, losing your sight in one eye or early stage Melanoma or Prostate Cancer.
  • A Needlestick Benefit for occupationally acquired Hepatitis B or C is available for relevant occupations.
  • Female Critical Illness Benefit for conditions such as Pregnancy Complication and Congenital Abnormalities events.
  • There are also some conditions that are only covered under the Premier Trauma option, including severe diabetes and severe rheumatoid arthritis.


Your eligibility will be subject to underwriting and the following criteria:

  • You must be between the ages of 16 and 62, or younger than 60 years to apply for a level premium policy structure. A level premium stays more constant over time and doesn’t increase with your age and level of cover like a stepped premium.
  • You can be covered to the age of 70, or 100 if you also have Life Insurance with TAL. After the age of 70, the range of covered conditions becomes limited.
  • You can be insured for up to $2 million, or if you have Life Insurance attached to your critical illness plan, you can be insured up to the amount you have on that Life Insurance policy.

To learn more, read the TAL Product Disclosure Statement or start a comparison online now.

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